Thursday 10th February - what small DFW things will you be doing

moneypenny2k

When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym.

But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when in fact the small steps are helping us form good financial habits and helping us get closer everyday to staying in control and becoming debt free, or staying debt free

Examples could be charging your phone up at work instead of at home to save your electricity, hanging washing out instead of using the tumble dryer or leaving your purse/wallet at home to avoid the risk of spending.

So be proud of those small steps, they really are important.

Morning all

Not been around much this last week or so as I've been so exhausted I've not been able to get online and read the forums much - but I have managed to keep up the dfw way of life.

Today I will

Charge phone at work
Free tea at work
Take packed lunch to work
Print off a form I need to claim money from the post office for damaging something I sent on eBay
Send off the First Direct referral I've been asked for
Do a shopping list for weekly shop and stick to it
Check surveys - I'm over £20 on onepoll now
Pay £70 into my cc debt as I've been put on a focus group paying £70 in cash next week. That way I won't spend it.
Pay my music magpie cheque into the bank

La_escocesa

moneypenny2k wrote: »

Pay £70 into my cc debt as I've been put on a focus group paying £70 in cash next week. That way I won't spend it.

That's awesome MP2K!:T

stitching_witch

Good morning all. I had a lovely 'Grandma Day' yesterday. DGD and I made choux pastry spiders, worms and hearts - first time I'd made choux pastry!! In the afternoon DGS, her cousin, came over and his mum and I made a nappy cake

Back to reality today, so far I have:

• checked banking - looking a bit dodgy
• checked for surveys
• made lunch to take to work
• fed and watered the chickens
• looked in local paper for a nicer job

I will also:

• charge mobile at work
• knit at lunchtime to avoid the shops
• keep checking for surveys throughout the day
• DH dropping me at work and hopefully filling the tank - I've been running it on the fuel light for two days
• send DH to the new Lidl opening today to see if there are any offers
• re-do February budget to take into account my sewing course at the end of the month :j
• possibly an NSD if I don't have to contribute to the diesel

Okay guys and gals, that's my Thursday! stitchy x

La_escocesa

Hi everyone :wave:

Didn't really do anything meaningful yesterday so I just didn't bother to post. Shhh :shhh: Read what you were all up to though

Listypoo:

• Breakfast at home (not croissant like yesterday! :eek:)
• HM lunch (not sandwich like yesterday! :eek:)
• Working hard
• Walking
• Pennies in the pot
• Post contract for yoga course - defo need to watch the pennies the rest of the month!
• Maybe a bit of knitting
• Get ready for OH's bday tomorrow :T
• Use refillable water bottle:cool:
• Smile because I've got a 4-day week so today is the last day in the office! :eek: going to be mega busy!! :eek:

Best get off then! Catch up later xx

La_escocesa

stitching_witch wrote: »

• DH dropping me at work and hopefully filling the tank - I've been running it on the fuel light for two days

:rotfl:Love it!

Candy0107

Morning All

Hi to all new posters. Hugs to those that need them.

Money, thanks for starting the thread
Stitchy – what is ‘Nappy cake’?

Today I have/will
• Checked online banking – only a small dc transaction which is budgeted for
• Move odd money to savings account
• Meals and snacks from storecupboard
• Bought a new rail pass to get to work
• Work really hard at work as there is loads to do
• Read newspaper online
• Need to check out the freebies and the competition boards
• Enter comps online
• Off to WW weigh in tonight – fingers crossed for a good result
• Washing on a quick wash 30 degrees
• Will read the thread tonight when I get home
• Try not to worry too much about ‘work issues’ that do not concern me

Have a great day everyone
Candy xxx

stitching_witch

Candy0107 wrote: »

Morning All

Stitchy – what is ‘Nappy cake’?

It's a gift for new parents, with the tiers made up of rolled disposable nappies with gifts hidden inside, then covered in baby blanket/towel to look like icing. Difficult to describe so see this link:

http://www.nappycakeshop.co.uk/

The delight on the recipients' faces is worth the trouble and expense of making them!

searching_me

morning ... OH has taken DD to school so i get time to check ... ahem i mean ... get ready ..

hope you're all well .. stitchy sounds like you had a lovely day .. moneypenny2k go for it! ..

todays agenda:
had breakfast DS nicked half so same as usual for half my breakfast ..
checked bank .. no nasty surprises (usually by now i dare not look) ..
trade in some games at work (i work for cex) to pay for tickets for DD to see family at half term..
work 7 hours ..
LSD day .. a friend has advised me on some stuff i can eat without it hurting (as much) but all can be bought on value brand .. oh and the bus but once it hits light enough i shall be walking home so bring on spring ..
dinner ... ermmm depends how my tummy is but from store ... possibly bangers and mash ..
pop some change in my sealed tin to help get rid of my OD at the end of my 100 day challenge ..
inform OH of what to do while im at work (lets see if they happen) ..
try to sparkle .. i even put a dress on to help me .. ooo get me ...

hope you all have a lovely day and check in later xxxx

elfen

Checked bank
Made up lunch
Checked surveys
NSD - in from 10-7 so it should be

got-it-spend-it

Morning all :hello:. I've not been on for a few days but it's nice to be back.

:j for a four day week La E!

I'm loving your diesel frugal ways Stitching Witch, although it's usually DH who does that in our house.

Hopefully a very DFW day for me.

-All meals from stores.
-Soft play with DS but I have cash to pay for it and a completed loyalty card for a free drink so low spend.
-Baking this afternoon using ingredients I already have. Hoping to create some yummy treats.
-Pop some more bits on Gumtree/local selling site. This is going really well this week and also helping with the de-clutter!
-Post tax rebate letters for me and DH- we both wash our own uniform so hoping to get some tax back for past 5 years-ish!
-Check for surveys.

I can't think of anything else but may update later.

Have a good one everyone!

Pernicious

Morning all,

I actually feel fairly refreshed this morning...which is odd as I barely had any time to myself last night! Must have slept well because of it :rotfl:

Today I have/will:-

• [STRIKE]Food brought in from home[/STRIKE]
• [STRIKE]Make use of free coffee/water at work[/STRIKE]
• [STRIKE]Heating off during working day[/STRIKE]
• [STRIKE]Charge phone at work[/STRIKE]
• [STRIKE]Stay in at lunchtime to avoid the shops[/STRIKE]
• Update GC, did not do too well last night...but I did save over £20
• [STRIKE]Update "Pay off as much as you can" thread, & sig[/STRIKE]
• [STRIKE]Contact lady regarding my friend's hen do[/STRIKE]
• Buy a few hen do bits on ebay, it's definitely cheaper then in town
• [STRIKE]Log calories on free app[/STRIKE]
• Log expenditure on free app
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Enter comps[/STRIKE]
• [STRIKE]Dinner from meal plan[/STRIKE]
• [STRIKE]Try to stay positive[/STRIKE]
• [STRIKE]Not strictly DFW...but need to clean the house up a bit for my dad to come over & fix a dripping tap - he'll only whinge non stop if he sees it in it's current state which could lead to a "buying binge" due to stress[/STRIKE]

Have a great, moneysaving day everyone x